NYSE Financial Services Financial - Credit Services DFS

Discover Financial Services

$ 200.05 -0.21 %

Based in Riverwoods, Illinois, and founded in 1960, Discover Financial Services offers a comprehensive suite of digital banking and payment solutions throughout the United States. Its operations are organized into two primary divisions: Digital Banking and Payment Services. The Digital Banking segment caters to individuals with Discover-branded credit cards, various consumer loan products including private student, personal, and home loans, and a direct-to-consumer deposit portfolio featuring savings, certificates of deposit (CDs), money market, checking, and sweep accounts, alongside specialized IRA deposit options. The Payment Services segment is responsible for operating the PULSE network, which supports automated teller machines, debit transactions, and electronic funds transfers. It also oversees Diners Club International, a global payments network involved in issuing branded charge cards and facilitating card acceptance. Furthermore, this segment provides essential payment transaction processing and settlement services.

CEO: J. Michael Shepherd - https://www.discover.com

Summary 30-Y Financials Dividend Analyst Key metrics Ownership / Senat
Price objectif

$142.26 -28.89 %

Recommandation

Buy

DCF

$ 190.80

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DFS vs S&P500

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Quick ratio

0.18

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

10.69

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

18.72

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

12.98 %

reflects reasonable profitability, showing good use of equity.

ROIC

8.42 %

generates a return higher than the cost of its capital, thereby creating value for its investors.

WACC

-

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.77

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

15.81

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

16.12 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
7 indicates good financial health
Altman score
0.16 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.11 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.10 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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